LTV · monthly repayment
▼ 0.50% · 3.625%
HK$106,836
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,159
−HK$3,376/mo
Today · 4.125%
HK$113,535
baseline
▲ 0.50% · 4.625%
HK$120,444
+HK$6,909/mo
Deposit HK$23.43M · loan HK$23.43M · min. income ≈ HK$227,070/mo (50% DSR)
Upfront cash ≈ HK$25.42M (deposit + AVD stamp duty HK$1,991,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,854
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,041
−HK$3,234/mo
Today · 4.125%
HK$125,275
baseline
▲ 0.50% · 4.625%
HK$131,879
+HK$6,604/mo
Deposit HK$23.43M · loan HK$23.43M · min. income ≈ HK$250,550/mo (50% DSR)
Upfront cash ≈ HK$25.42M (deposit + AVD stamp duty HK$1,991,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,203
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$132,191
−HK$4,051/mo
Today · 4.125%
HK$136,242
baseline
▲ 0.50% · 4.625%
HK$144,533
+HK$8,291/mo
Deposit HK$18.74M · loan HK$28.11M · min. income ≈ HK$272,484/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,991,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,625
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$146,450
−HK$3,880/mo
Today · 4.125%
HK$150,330
baseline
▲ 0.50% · 4.625%
HK$158,254
+HK$7,924/mo
Deposit HK$18.74M · loan HK$28.11M · min. income ≈ HK$300,660/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,991,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,570
−HK$9,380/mo
▼ 0.25% · 3.875%
HK$154,223
−HK$4,727/mo
Today · 4.125%
HK$158,950
baseline
▲ 0.50% · 4.625%
HK$168,621
+HK$9,671/mo
Deposit HK$14.06M · loan HK$32.80M · min. income ≈ HK$317,900/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,991,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,395
−HK$8,990/mo
▼ 0.25% · 3.875%
HK$170,858
−HK$4,527/mo
Today · 4.125%
HK$175,385
baseline
▲ 0.50% · 4.625%
HK$184,630
+HK$9,245/mo
Deposit HK$14.06M · loan HK$32.80M · min. income ≈ HK$350,770/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,991,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,305
−HK$12,059/mo
▼ 0.25% · 3.875%
HK$198,286
−HK$6,078/mo
Today · 4.125%
HK$204,364
baseline
▲ 0.50% · 4.625%
HK$216,799
+HK$12,435/mo
Deposit HK$4.69M · loan HK$42.17M · min. income ≈ HK$408,728/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,991,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,937
−HK$11,558/mo
▼ 0.25% · 3.875%
HK$219,675
−HK$5,820/mo
Today · 4.125%
HK$225,495
baseline
▲ 0.50% · 4.625%
HK$237,381
+HK$11,886/mo
Deposit HK$4.69M · loan HK$42.17M · min. income ≈ HK$450,990/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,991,234 · Scale 2, in force from 26 Feb 2026)